03-17-2017 01:58 PM
Well, I decided I'm going to take the plunge! I got my Amex BCP a little over 8 months ago. I started with a $5,000 limit and at 61 days, requested a 3x cli which was instantly approved to $15,000. It's been a little over 180 days since then and after a lot of debate with myself, I decided to try another 3x cli request. I have paid in full every month since I got the card and typically run between $2,000-$4,000 a month through it. I just made a $3,500 payment today and I'm waiting for it to post before I attempt the cli. I'll let everyone know if I get a 4506-T request and/or an approval or counter offer. Household income of $270,000 and my Experian FICO 8 is 739 so here goes nothing!!!
03-17-2017 02:40 PM
Anxious to hear how your request turned out. I am almost in the same exact situation and have a very similar credit profile. Got a BCP back in July with a SL of 5,000. At 61 days, 3X to 15,000 (love Amex!) and have been using it often for groceries and gas. I am coming up on my 180 days this week and was wondering how much of a CLI to ask for. Don't really need a big limit, but always appreciate the buffer on utilization. I chatted with customer service and they confirmed my eligibility date.
03-17-2017 05:54 PM
me too, curious to see your results. good luck op.
03-17-2017 06:31 PM - edited 03-17-2017 06:32 PM
congrats but you also deflated my hopes and dreams of a 24k CLI with my Everyday card... my income is creeping up on 60k ah well, I am technically a full time college student so can't win em all at once I suppose.
03-17-2017 11:43 PM
It will get approved but, w/ or w/o the 4506 request is the question. Some do w/o and some don't.
03-18-2017 02:06 PM
I am sure you will get your CLI, it will just take a little time.
03-18-2017 04:53 PM
I went online about an hour ago and requested the 3x cli and sure enough, I got the 4506 request. I filled out the 4506 online and submitted it. So now it's wait and see.
I'm 100% confident with the 4506 submitted that you'll get the $45k limit.
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